Denison, TX · Cert 3273
FDIC
Q2 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.70% | -0.99% | -0.57% | -0.41% | -0.22% | -0.75% | -0.70% | -13 bps | |
| Return on Equity | -7.65% | -7.61% | -10.33% | -5.65% | -4.07% | -2.18% | -7.93% | -7.77% | -212 bps | |
| Net Interest Margin | 3.79% | 3.89% | 4.27% | 4.08% | 3.80% | 3.58% | 3.75% | 3.52% | -57 bps | |
| Efficiency Ratio | 104.74% | 101.88% | 102.99% | 99.07% | 96.79% | 93.85% | 109.60% | 106.69% | +762 bps | |
| Non-Interest Burden | 4.09% | 4.01% | 4.48% | 4.02% | 3.59% | 3.20% | 4.35% | 3.91% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.78% | 15.07% | 10.34% | 11.33% | 32.25% | 29.17% | 29.17% | 29.50% | +1,818 bps | |
| Loan Growth (YoY) | 16.94% | 27.13% | 25.92% | 22.98% | 37.09% | 23.03% | 24.11% | 22.06% | -92 bps | |
| Deposit Growth (YoY) | 16.49% | 14.93% | 10.07% | 8.86% | 31.36% | 27.92% | 30.19% | 32.55% | +2,369 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.77% | 0.69% | 0.54% | 0.59% | 0.60% | 0.59% | 0.68% | 0.64% | +5 bps | |
| Allowance / Loans | 1.41% | 1.51% | 1.74% | 1.65% | 1.49% | 1.59% | 1.53% | 1.57% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.96% | 10.18% | 11.49% | 13.20% | 11.60% | 11.69% | 10.86% | 10.07% | -313 bps | |
| Equity / Assets | 9.31% | 8.84% | 10.21% | 11.18% | 9.73% | 9.71% | 9.23% | 8.30% | -288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.51% | 84.58% | 86.25% | 85.75% | 82.98% | 81.35% | 82.22% | 78.96% | -678 bps | |
| Liquid Assets / Assets | 0.65% | 1.23% | 0.42% | 3.95% | 6.25% | 6.36% | 5.12% | 8.75% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |